Cost of Living in Ludlow, KY
Population 4,378 · Kentucky · Data vintage 2023
(100 = US avg)
Under 25,000 residents gives Ludlow a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $155,000. A poverty rate near 26% adds context to the income figures — well above the US average, and worth factoring into any comparison with cities on the coasts or in the Rockies.
Geographically, Ludlow is part of the immediate Cincinnati metro area. Median home values run roughly 28% lower than Cincinnati's $215,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Ludlow
The median home value in Ludlow is $154,700 — 49% below the national median of $305,000. Median rent runs $1,115/month, 15% lower than the national median of $1,314/month. The median household income of $58,295/year is 22% lower than the US median of $74,580. The local unemployment rate is 5.0%, above the national average of 4.8%. Kentucky's top state income tax rate is 4.0% and the combined sales tax is 6.0%. The climate averages highs of 65.4°F and lows of 44.2°F. Overall, Ludlow has a cost of living index of 64 versus the US average of 100, meaning it is 36% less expensive.
Ludlow has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 41 | 45 | 55 | 67 | 75 | 83 | 87 | 86 | 80 | 68 | 55 | 45 |
| Low °F | 24 | 26 | 33 | 43 | 53 | 61 | 65 | 64 | 56 | 44 | 34 | 28 |
| Precip" | 2.86 | 2.79 | 3.94 | 4.37 | 4.70 | 4.61 | 4.39 | 3.39 | 3.07 | 3.05 | 2.91 | 3.32 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Ludlow, KY?
Ludlow has a cost index of 64 (100 = national average). It is 36% below the national average.
What is average rent in Ludlow, KY?
The median gross rent in Ludlow is $1,115 per month based on 2023 Census data.
What is the average home price in Ludlow?
The median home value in Ludlow is $154,700 according to Zillow and Census data.
What is the median income in Ludlow?
The median household income in Ludlow is $58,295 per year (2023 ACS 5-year estimates).
What is the sales tax in Ludlow, KY?
The combined state and local sales tax rate in Ludlow is 6.0%. The Kentucky state income tax top rate is 4.0%.
Is Ludlow, KY affordable?
Yes, Ludlow is generally considered affordable, with a cost of living index of 64 — about 36% below the US national average of 100.
What is the weather like in Ludlow?
Ludlow has average high temperatures of 65.4°F and average lows of 44.2°F. Annual precipitation is 43.4". Data from NOAA 1991–2020 Climate Normals.
Ludlow at a Glance
- Population
- 4,378
- Median Income
- $58,295
- Home Value
- $154,700
- Median Rent
- $1,115/mo
- Unemployment
- 5.0%
- Avg High Temp
- 65.4°F
- Sales Tax
- 6.0%
Nearby Cities
Explore county-level cost of living data
Kentucky Rankings
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